Terms of Service
Effective June 17, 2026
These Terms of Service ("Terms") are a binding agreement between you and KNAB Money, LLC ("KNAB," "we," "us," or "our") and govern your use of the KNAB website, mobile application, and related services (together, the "Service"). By creating an account or using the Service, you agree to these Terms.
1. Eligibility
You must be at least 18 years old and able to form a binding contract to use the Service. By using the Service you represent that you meet these requirements.
2. Your account
You are responsible for the activity that happens under your account and for keeping your credentials secure. Notify us promptly at support@knab.money if you suspect unauthorized use of your account.
3. The Service
KNAB helps you understand your cashflow by importing transactions from financial accounts you connect and projecting your balances forward. KNAB is a budgeting and forecasting tool. It is not a bank, and it does not provide financial, investment, tax, or legal advice. Forecasts are estimates based on the data available and may not reflect your actual future balances.
4. Connected financial accounts
When you connect a financial account, you authorize us and our data provider, Plaid Inc., to access information from that account on your behalf, as described in our Privacy Policy. Your use of Plaid is also subject to Plaid's own end user terms. You may disconnect an account at any time.
5. Acceptable use
You agree not to:
- use the Service for any unlawful purpose or in violation of these Terms;
- attempt to gain unauthorized access to the Service or its systems;
- interfere with or disrupt the integrity or performance of the Service; or
- reverse engineer, scrape, or copy the Service except as permitted by law.
6. Intellectual property
The Service, including its software, design, and content, is owned by KNAB and protected by intellectual property laws. We grant you a limited, non-exclusive, non-transferable license to use the Service for your personal, non-commercial use. You retain ownership of the data you provide.
7. Disclaimers
The Service is provided "as is" and "as available" without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or that forecasts will be accurate.
8. Limitation of liability
To the maximum extent permitted by law, KNAB will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss arising from your reliance on forecasts or other information provided by the Service. Our total liability for any claim relating to the Service will not exceed the amount you paid us, if any, in the twelve months before the claim.
9. Termination
You may stop using the Service and close your account at any time. We may suspend or terminate your access if you violate these Terms or if we discontinue the Service. Sections that by their nature should survive termination will survive.
10. Changes to these Terms
We may update these Terms from time to time. When we make material changes, we will update the effective date above and, where appropriate, notify you within the Service. Your continued use of the Service after changes take effect constitutes acceptance of the updated Terms.
11. Governing law
These Terms are governed by the laws of the state of Texas, without regard to its conflict-of-laws rules. Any disputes will be resolved in the courts located in Colling County, Texas.
12. Dispute resolution, arbitration, and class action waiver
Please read this section carefully. It affects your legal rights, including your right to file a lawsuit in court and to have disputes heard by a jury.
12.1 Informal resolution first
Most concerns can be resolved without a formal proceeding. Before starting an arbitration, you agree to first contact us at support@knab.money and provide a brief written description of your dispute and the relief you seek. You and KNAB will try in good faith to resolve the dispute for 60 days after notice is received. If we cannot resolve it within that period, either party may begin arbitration as described below. This informal-resolution requirement is a condition precedent to starting arbitration.
12.2 Agreement to arbitrate
Except for the disputes described in Section 12.5, you and KNAB agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service will be resolved by binding individual arbitration, rather than in court. This agreement to arbitrate is governed by the Federal Arbitration Act (FAA).
12.3 Arbitration procedure
The arbitration will be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, as modified by these Terms. The rules are available at adr.org. A single arbitrator will be selected in accordance with the AAA rules. The arbitrator has exclusive authority to resolve any dispute relating to the interpretation, applicability, or enforceability of this arbitration agreement, except that a court decides whether the class action waiver in Section 12.6 is enforceable. Any in-person hearing will take place in Collin County, Texas, unless you and KNAB agree otherwise; you may also elect to participate by telephone or video, or to have a documents-only arbitration where permitted by the AAA rules. The arbitrator may award the same individual relief that a court could, and the award may be entered as a judgment in any court of competent jurisdiction.
12.4 Arbitration costs
Payment of filing, administration, and arbitrator fees will be governed by the AAA rules. We will not seek to recover our attorneys' fees and costs from you in arbitration unless the arbitrator finds that your claim was frivolous or brought for an improper purpose.
12.5 Exceptions
This Section 12 does not require arbitration of: (a) claims that qualify for and are brought in a small claims court, so long as the matter stays in that court and proceeds on an individual basis; and (b) claims for injunctive or other equitable relief to stop unauthorized use or abuse of the Service or infringement of intellectual property rights. Either party may also bring an individual action in the courts identified in Section 11 if the agreement to arbitrate is found not to apply.
12.6 Class action waiver
You and KNAB agree that each may bring claims against the other only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate more than one person's claims and may not preside over any form of a representative or class proceeding. If a court decides that this class action waiver is unenforceable as to a particular claim or request for relief, that claim or request will be severed and may be brought only in the courts identified in Section 11, while all other claims proceed in arbitration.
12.7 Jury trial waiver
If for any reason a dispute proceeds in court rather than in arbitration, you and KNAB each waive any right to a jury trial to the extent permitted by law.
12.8 Your right to opt out
You may opt out of this arbitration agreement (Sections 12.2–12.7) within 30 days of first accepting these Terms by sending written notice to support@knab.money with your name, the email address on your account, and a clear statement that you wish to opt out of arbitration. Opting out will not affect any other part of these Terms. If you opt out, disputes will be resolved in the courts identified in Section 11.
12.9 Survival and severability
This Section 12 survives termination of your account or these Terms. Except as stated in Section 12.6, if any part of this Section 12 is found to be unenforceable, the remainder will continue to apply.
13. Contact us
Questions about these Terms can be sent to support@knab.money, or by mail to KNAB Money, LLC, Parker, Texas.